stockrowEnova International, Inc.
ENVA Financial Credit Services
Enova International, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, up 18.6% from fiscal 2024.
- Revenue
- +25.7%
- EPS
- +33.9%
- Free cash flow
- +11.4%
- Total debt
- +30.9%
Quarter to September 2026, against a year earlier
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Enova International, Inc. (ENVA) Return on invested capital
Enova International, Inc.'s return on invested capital over the twelve months to 30 September 2026 was 8.51%, down 0.0 percentage points from fiscal 2025 (8.52%). Over the past ten years it has ranged from 6.93% (fiscal 2023) to 15.0% (fiscal 2020); the current reading is higher than 45% of that period. That is above the Credit Services industry median of 4.56% and above the Financial sector median of 4.70%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 8.52% | 0.28 |
| FY2024 | 8.24% | 1.31 |
| FY2023 | 6.93% | (0.42) |
| FY2022 | 7.35% | (4.12) |
| FY2021 | 11.5% | (3.48) |
| FY2020 | 15.0% | 2.89 |
| FY2019 | 12.1% | 2.56 |
| FY2018 | 9.50% | 2.03 |
| FY2017 | 7.47% | (1.73) |
| FY2016 | 9.20% | (1.93) |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| SEZL Sezzle Inc. compare | 49.8% |
| FCFS FirstCash Holdings, Inc. compare | 9.40% |
| SLM SLM Corporation compare | 8.72% |
| ENVA Enova International, Inc. | 8.51% |
| CACC Credit Acceptance Corporation compare | 7.81% |
| OMF OneMain Holdings, Inc. compare | 2.29% |
| NNI Nelnet, Inc. compare | 0.00% |
| BFH Bread Financial Holdings, Inc. compare | 0.00% |
| KLAR Klarna Group plc compare | 0.00% |
| Credit Services industry median | 4.56% |
| Financial sector median | 4.70% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
More on ENVA
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement